Citizens National Bank

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BanksFinancial Advisors

About Us

Citizens National Bank is a full-service, independent community bank serving eight locations in lower northern Michigan; Cheboygan, Onaway, Mackinaw City, Pellston, Indian River, Alanson, and Petoskey. We are the largest, locally-owned bank in the northern lower peninsula of Michigan. On January 24, 1931 the bank received its charter from the federal Comptroller of the Currency and is entirely owned by the CNB Corporation.

Mission Statement
To be the bank and employer of choice in northern Michigan helping our communities build strong economies.

Rep/Contact Info

Mr. Eric Baldwin
Director of Brand and Community Relations
Ms. Kim Boda
Residential Banker
Ms. Leslie Budnik
Business Operations Officer
Talenna Calhoun
Cash Management Specialist
Phil Clacko
Senior Vice President, Senior Loan Officer
Adam Cushman
Business Cash Management Officer
Mr. Stephen Daly
Vice President, Business Banking
Ms. Trisha Dobias
Vice President, Human Resources & internal Audit Liaison
Ms. Julie Douglas
Executive Assistant
Nicole Drake
Senior Vice President, Business Banking
Ms. Amy Essex
Chief Financial Officer
Ms. Samantha Gould
Director of Digital Marketing & Strategy
Matthew Keene
President & CEO
Mr. Caleb Nicholas
Business Banking Officer
Ms. Jennifer Ope
Vice President, Business Banking
Amy Peterman
Senior Vice President, Chief Operating Officer
Christina Struck
Branch Operations Supervisor